We have rules as a society because we make generalized judgments about what is good for people and what is not. Some of those rules prevent people from doing things that they might enjoy, but that take place in situations the lend themselves to exploitation. Cf., e.g., statutory rape laws.

"Paternalism" is an easy slur to throw around, but it's not some kind of magic bullet. Well-functioning societies (which, in general, the NCAA is not, but that's another matter) have "paternalistic" rules. It's what keeps them well-functioning, as opposed to being Hobbesian libertarian dystopias.

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